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P&N savings accounts

P&N savings accounts at a glance

As of 20 Sept 2026, P&N has 3 savings accounts in our dataset. The highest advertised rate is 5.35% p.a. on Hi Saver Account (4-month intro, then 5.35% p.a.; no monthly conditions; up to $5,000,000). Rates were last verified on 20 Sept 2026 against the bank's official product pages.

Rates as of 20 Sept 2026
BankProductMax rateOngoing rateIntro offerTop rate applies toConditions
P&NHi Saver Account5.35% p.a.5.35% p.a.4-month intro 4.50% p.a.Up to $5,000,000No monthly conditions.
P&NSavvy Saver5.25% p.a.5.25% p.a.—Up to $100,000Deposit at least $500 each month. Make at least 5 card purchases each month.
P&NSmart Saver Account5.10% p.a.5.10% p.a.—Up to $250,000Deposit at least $100 each month. Make no withdrawals during the month.

Hi Saver Account

Earn a bonus rate of 5.30% p.a. plus 0.05% standard rate for a total maximum rate of 5.35% p.a. on balances up to $5,000,000.

Last updated: 20 Sept 2026

Advertised rate
5.35% p.a.
On balances up to $5,000,000
Open account
Rate details
4-month intro rate
4.50% p.a.
Any balance
4.50% p.a.
Ongoing rate
5.35% p.a.
Base rate
0.05% p.a.
Bonus rate
5.30% p.a.
Max rate when conditions are met
5.35% p.a.
Bonus cap
$5,000,000
The bonus rate only applies up to the cap shown here.
How to get the best rate
  • No monthly conditions.
Who can open it
  • Available from age 18.
  • Available to Australian residents.
  • Requires an Australian residential address.
  • Intended for personal use only.
  • Interest is credited on the last day of the month.

Savvy Saver

Deposit at least $500 into an eligible transaction account and make 5 or more card purchases each month to earn 5.25% p.a. (0.20% standard + 5.05% bonus) on balances up to $100,000.

Last updated: 20 Sept 2026

Advertised rate
5.25% p.a.
On balances up to $100,000
Open account
Rate details
Ongoing rate
5.25% p.a.
Base rate
0.20% p.a.
Bonus rate
5.05% p.a.
Max rate when conditions are met
5.25% p.a.
Bonus cap
$100,000
The bonus rate only applies up to the cap shown here.
How to get the best rate
  • Deposit at least $500 each month.
  • Make at least 5 card purchases each month.
Who can open it
  • Available from age 18.
  • Requires a linked & Transaction Account account.
  • Available to Australian residents.
  • Requires an Australian residential address.
  • Intended for personal use only.
  • Conditions are assessed on a calendar-month basis.
  • Interest is credited on the last day of the month.

Smart Saver Account

Deposit $100 or more each month and make no withdrawals to earn 5.10% p.a. (0.50% standard + 4.60% bonus) on balances up to $250,000.

Last updated: 20 Sept 2026

Advertised rate
5.10% p.a.
On balances up to $250,000
Open account
Rate details
Ongoing rate
5.10% p.a.
Base rate
0.50% p.a.
Bonus rate
4.60% p.a.
Max rate when conditions are met
5.10% p.a.
Bonus cap
$250,000
The bonus rate only applies up to the cap shown here.
How to get the best rate
  • Deposit at least $100 each month.
  • Make no withdrawals during the month.
Who can open it
  • Available from age 18.
  • Available to Australian residents.
  • Requires an Australian residential address.
  • Intended for personal use only.
  • Conditions are assessed on a calendar-month basis.
  • Interest is credited on the last day of the month.

Rates, eligibility and product terms can change. Check the bank's official page before opening an account.